Bank of America Online Banking Service Agreement

Data Access & Collection · Permission or license

The bank and Zelle may use your wireless operator's account information to verify identity and prevent fraud

Bank of America or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use. By using the Service you authorize your wireless operator (AT&T, T-Mobile, US Cellular, Verizon or any other branded wireless operator) to use or disclose information about your wireless subscriber account, such as mobile number, name, address, email, network status, customer type, mobile device identifiers and other device and subscriber status information, to Bank of America or its service providers, who may use it for the duration of their business relationship with the operator solely to verify your identity and help prevent fraud.

Supporting quotations

We or Zelle® may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Service.

you authorize your wireless operator (AT&T, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to use or disclose information related to your wireless subscriber account (such as your mobile number, name, address, email, network status, customer type, mobile device identifiers and other device and subscriber status information) to Bank of America or its service providers, which they may use for the duration of your business relationship with them, solely to verify your identity and help prevent fraud.

Qualifications & exceptions

• Authorized use is stated as solely to verify identity and help prevent fraud.
• Use continues for the duration of the service providers' business relationship with the operator.

Not stated here

• The agreement points to the Zelle Privacy Policy and Bank of America's Privacy Policy for how data is treated; the text of those policies is not supplied here, so this card cannot say how they treat the data.

Data Access & Collection · Context

The alerts section points to the bank's website for privacy and security practices and its U.S. Consumer Privacy Notice

At the end of the alerts section the agreement tells you to go to the bank's website for information about its privacy and security practices and a link to its U.S. Consumer Privacy Notice. This agreement does not itself state those practices.

Supporting quotations

For information about our privacy and security practices and a link to our U.S. Consumer Privacy Notice, go to our website at

Not stated here

• The text of the U.S. Consumer Privacy Notice and the website's privacy practices is not supplied here, so this card cannot say how the bank collects or uses data.

Data Access & Collection · Permission or license

Using the Services authorizes your carrier to share account and device information to prevent fraud

By using the Services you authorize your wireless carrier to use or disclose information about your account and wireless device, if available, to Bank of America or its service provider for the duration of your business relationship, solely to help identify you or your wireless device and to prevent fraud. The agreement refers you to its Online Privacy Notice and U.S. Consumer Privacy Notice for how it treats your data.

Supporting quotations

you authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to Bank of America or its service provider for the duration of your business relationship, solely to help identify you or your wireless device and to prevent fraud.

Qualifications & exceptions

• Stated purpose is solely to identify you or your wireless device and prevent fraud.

Not stated here

• The text of the Online Privacy Notice and U.S. Consumer Privacy Notice is not supplied in this source, so this card cannot say how they treat the data.

Data Access & Collection · Company practice

Erica interactions are recorded and transcribed and may be used to improve the service; avoid sharing sensitive details

Personal information the bank collects through Erica is governed by its U.S. Consumer Privacy Notice and Online Privacy Notice. For example, it may use Erica recordings and interactions to improve the service or provide a more personalized experience, 'as described in Section D'. To use Erica you speak aloud or write messages and receive audio and text responses. Once you initiate an interaction, the bank records and transcribes it. You should not share confidential or sensitive information, like your social security number or PIN, with Erica, and can check account details in Online Banking or the Mobile Banking app.

Supporting quotations

Any personal information that we collect through Erica will be governed by our U.S. Consumer Privacy Notice and our Online Privacy Notice.

we may use Erica recordings and interactions to improve the service, or use data to provide a more personalized experience

Once you initiate an interaction with Erica, we will record and transcribe these interactions.

You should not share confidential or sensitive information, like your social security number or PIN, with Erica.

Qualifications & exceptions

• Recording and transcription begin once you initiate an interaction.

Not stated here

• The text of the Online Privacy Notice and U.S. Consumer Privacy Notice is not supplied in this source, so this card cannot say how they treat the data.
• The source says the use of recordings and data is 'as described in Section D' without saying which Section D; the text does not identify the section and this card does not guess.

Data Access & Collection · Company commitment

The bank's Online Privacy Notice and U.S. Consumer Privacy Notice are made part of this agreement by reference

The bank says it will only use personally identifiable information in accordance with its Online Privacy Notice and U.S. Consumer Privacy Notice, and that it makes security and protection of your information a top priority. It states that these notices, available on its website, are incorporated into and made a part of the agreement by reference. This agreement therefore relies on text it does not contain.

Supporting quotations

We will only use personally identifiable information in accordance with our Online Privacy Notice and U.S. Consumer Privacy Notice.

We make security and the protection of your information a top priority.

which are incorporated into and made a part of this Agreement by this reference.

Qualifications & exceptions

• The commitment covers use of personally identifiable information in accordance with the notices.

Not stated here

• The text of the Online Privacy Notice and U.S. Consumer Privacy Notice is not supplied in this source, so this card cannot say what data they cover or how they restrict its use.